Some advice about Welcome Car Finance Please

[rubyrox73]

Right, after much faffing about I managed to get into my credit report. Welcome have defaulted me, so I guess it's a case of getting CCA and SAR in now to see what information they claim to have sent me. Interestingly enough on that comment you made about have to default me before they send account to DCA - does that apply to personal loans from the likes of Provident? Only I have had a DCA on my back over them, yet they do not appear to have defaulted me??? Off topic I know, but just wondered if you'd know.

 

Edited to add that amount of default is £20 more than the solicitors are claiming I owe.

Edited April 16, 2009 by rubyrox73
Extra info

[rubyrox73]

Were the documents I posted the link to readable post? Thanks for replying by the way, I'm soooooo glad I found this place!

[postggj]

hi ruby

 

get your sar request off asap

send with a 10 quid postel order to

 

welcome financial services lts

compliance

ruddington fields biz park

ruddington

nottingham

ng11 6nz

 

send by recorded delievery and print, never sign your name

 

 

ref loans and dca

 

a dca can collect on behalf of a creditor for commission but cant take any legal action and has no authority if you say bog off

if an account has been assigned to a dca and terminated without a default notice

poor, poor, dca

[rubyrox73]

hi ruby

 

get your sar request off asap

send with a 10 quid postel order to

 

welcome financial services lts

compliance

ruddington fields biz park

ruddington

nottingham

ng11 6nz

 

send by recorded delievery and print, never sign your name

 

 

ref loans and dca

 

a dca can collect on behalf of a creditor for commission but cant take any legal action and has no authority if you say bog off

if an account has been assigned to a dca and terminated without a default notice

poor, poor, dca

 

CCA and SAR to go off once I've got some cleared funds, but should be done by the weekend.

 

As for Provi sending me to DCA - poor them - cos the account is showing as satisfactory on my credit rating - time for a new thread me thinks!

[postggj]

ruby

 

a cca request cost a quid and they have to reply with in 14 days with any agreements

 

an sar gives you every thing welcome has on you, i mean everthing, thats a tenner and they have 40 days to comply on that one

the default notice if any will be in the sar

[rubyrox73]

Thanks for info - going to request both, as having gone through my documents I don't know how many times the past few days, I still do not have page 1 of that credit agreement - just 2-5 which makes me very suspicious. Am I right to write to solicitor to tell them what I'm doing or should I just ignore them right now? Also if I dispute this now with Welcome can I get Credit Expert to do anything to my credit report - mark it as in dispute or something? Sorry for all the questions, just want to make sure I'm doing what I should and not doing what I shouldn't!

[postggj]

tell the sols that you have requested from welcome, enclose a copy of the recorded delievery number, a cca request and a sar request,

tell them that the account is now in dispute until compliance.

as a rule, welcome will not go into default till after 14 days but i would think the sols will back off

 

welcome were very lax on the agreements

 

now you have subscribed to the credit agencies, you can put a notice of correction on your credit files but in reality it makes no difference as most credit applications are scored by computer with no manual input

[rubyrox73]

Will do. Thanks for the advice. Appears Welcome were lax on most things apart from chasing people like rats up a drainpipe and charging the earth to do so!

[rubyrox73]

I still haven't got round to sorting this yet, as I've been ill for a few weeks, but I thought this letter from the Lewis Group that I received recently was hilarious and I quote:

 

"You have been selected to receive an amazing offer regarding your outstanding debt of £**** with Welcome Financial Services.

 

The offer is simple; call me to discuss a reduction of the amount to be paid and pay the agreed amount in full to us by 17th ***, 2009 and our client will clear the remaining balance for you. (I'll leave out rest of blurb here)

 

Why pay? By taking up this fantastic offer with us now, you WILL save a significant sum. This is a genuine offer, which will be extremely advantageous to you.

 

Telephone NOW and quote your priority reference number to take advantage of this once-only offer; dedicated staff blah blah...Don't worry if you haven't got a debit or credit card, please call us, we will be happy to discuss other ways to pay."

 

Anyone would think this was an offer of a cruise the way they go on! Anyone else had one of these?!

[postggj]

Its To Do With Cattles Clutching At Straws To Stay Alive

[rubyrox73]

:lol: - thought it might be! Made me laugh anyway!

[FLORENCE77]

hi. i was just reading the comment about having the blue and yellow copies of the hire purchase agreement...well i only have a white badly photocopied one which the garage that we collected the car from gave us, its obvuisly a photocopy of the origianl agreement as its definately my signature on it and i remember going into the office propir to colelcting the car to sign but they enver gave me a copy there and then.......where do i stand in this, im trying to get welcome to accept they sold us a dodgy car......this has been gonig on a year now

[postggj]

welcome only sell dodgy cars

 

thats why the buy them at auction

 

can you start your own thread so we can help

[FLORENCE77]

will start a thread....might be a long one !